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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,844 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Done the financial updates after the London trip etc. Jeepers that meal was expensive …. 😢

    Tilly-tidies done - a further £2.29 moved across to savings 😊

    Getting my focus back. Have made a vegan bolognese batch for the freezer today along with a new work breakfast option (oats with pineapple, desiccated coconut and coconut milk - honestly it tastes better than it sounds! 😉😊) and am ready to take pre-prepared food into work tomorrow for lunch as well. 

    I have one more spendy thing to do before next payday - I have promised to pay for a meal for my apprentice for finally passing his course! That will probably be next week and should be fun. Fortunately he doesn’t drink alcohol so I will be saved that cost! 😉

    Managed to get out for a couple of hours this afternoon and do some more bindweed bashing. There will be more to do, but I have already done more this year than I have ever done before! 👏👍💪 I must do some seed sowing this week!! 

    Quite sore physically after the TRE and vocalising sessions yesterday. Hoping I wake feeling less beaten up tomorrow for going back to work! 😉

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 7,844 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I have sent a polite complaint to LandofLake to tell them that one of the reusable food bags I bought from them is completely unsealed along the full length on one side on the top of the bag. I only noticed after I had filled it with bolognese this afternoon …. 🙄 They were very good with my last complaint and gave me a new item without debate. It will be interesting to see what they do when there is an issue on one of a set of items. 

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,487 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Oh no that sounds.... messy.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    I love oats, pineapple and coconut - just not sure about them all together - but I may give it a try :smiley:
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • KajiKita
    KajiKita Posts: 7,844 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh no that sounds.... messy.
    I think it has the potential to be. So I’m wary …
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 7,844 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I love oats, pineapple and coconut - just not sure about them all together - but I may give it a try :smiley:
    It was surprisingly good 😊 I will be repeating it, but will leave all the juice in the mix 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 7,844 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    LandofLake have emailed me to let me know that they are sending out a full set of new bags 😊 I am well chuffed. 

    Mr KK was kind tonight and cooked tea (it was a chop for him so a bit visceral for me) whilst I played in the potting shed. Sowed peas and runner beans (two type of the former for fun and three of the latter as I had some part packets to use up) and pitted on some verbascum and aster seedlings 😊

    KK 
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 7,844 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD today 😊
    8.4K steps 😊

    Crazy busy day again but actually finished one job. 😊

    Took a fairly hefty mauling (along with the rest of the site management team) from the global sales team, which privilege also made me late leaving work and so hit loads of traffic! 🙄 Bah.

    Sorting lunch, breakfast, snacks etc for tomorrow and then will have a shower and try some TRE on my own for the first time. Crossing my fingers I can do it on my own ….

    Knitting one row (a complex one) of my blanket whilst waiting for my hard boiled eggs to cool enough to put in a sandwich. 

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 7,844 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    TRE on my own done! 👏 Well chuffed! Feeling deeply relaxed now 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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